| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR US NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $71K | $160K | $231K | 3.29% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEM INC 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $103K | $103K | 1.93% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR US NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $24K | $53K | $76K | 3.24% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BRK | 2300 CONTRA COSTA BLVD STE 375 PLEASANT HILL, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.73% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BRK | 3333 PIEDMONT RD NE STE 1400 ATLANTA, GA 303051811 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR US NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMOPANY | $9K | $21K | $31K | 3.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE, 10TH FLOOR MIAMI, FL 33131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 4.99% |
| STEPHEN CONSTANTS3 | 2021 MONTICELLO DR. ANNAPOLIS, MD 21401 | MONUMENTAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.70% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 17,399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 191 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 452 | $4.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILLIATES (CIGNA) | 32,111 | $13.5M |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,362 | $2.4M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 18,444 | $10.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 12,567 | $5.4M |
| Prescription drug | EXPRESS SCRIPTS | 85 | $372K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILLIATES (CIGNA) | 32,111 | $12.8M |
| Other(5 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 18,444 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32,111 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.